| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARMON DENNIS BRADSHAW INC3 Filed as: HARMON DENNIS BRADSHAW, INC. | 7115 HALCYON SUMMIT DR MONTGOMERY, AL 36117 | NATIONWIDE INSURANCE | $59K | — | $59K | 18.64% |
| GILSBAR, LLC5 | PO BOX 998 COVINGTON, LA 70434 | NATIONWIDE INSURANCE | — | $33K | $33K | 10.53% |
| RESOLUTION REINSURANCE0 Filed as: RESOLUTION REINSURANCE INTERMED | 4408 FOREST DRIVE SUITE 202 COLUMBIA, SC 29206 | NATIONWIDE INSURANCE | — | $23K | $23K | 7.31% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE, LLC | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | NATIONWIDE INSURANCE | $23K | — | $23K | 7.21% |
| LBA SERVICE LLC3 Filed as: LBA SERVICE, LLC | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | NATIONWIDE INSURANCE | $4K | — | $4K | 1.40% |
| HARMON DENNIS BRADSHAW INC3 | PO BOX 241667 MONTGOMERY, AL 36124 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 8.94% |
| HARMON DENNIS BRADSHAW INC3 | PO BOX 241667 MONTGOMERY, AL 36124 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.43% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.43% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | STANDARD INSURANCE COMPANY | $222 | — | $222 | 0.43% |
| HARMON DENNIS BRADSHAW INC3 | PO BOX 241667 MONTGOMERY, AL 36124 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 4.41% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 4.41% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | STANDARD INSURANCE COMPANY | $117 | — | $117 | 0.48% |
| HARMON DENNIS BRADSHAW INC3 | PO BOX 241667 MONTGOMERY, AL 36124 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 9.99% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | STANDARD INSURANCE COMPANY | $206 | — | $206 | 0.86% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 227 | $1.8M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 227 | $1.8M |
| Vision | STANDARD INSURANCE COMPANY | 156 | $24K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 252 | $91K |
| Short-term disability | STANDARD INSURANCE COMPANY | 58 | $24K |
| Long-term disability | STANDARD INSURANCE COMPANY | 71 | $51K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 227 | $1.8M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 312 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.